Credit monitoring dashboard

OCBC reported third-quarter net profit of S$2.04 billion, up 3% year on year and slightly above Bloomberg/LSEG consensus near S$2.0–2.01 billion. Net interest income rose 4% to S$2.31 billion despite NIM falling 18 bps to 1.66%, while non-interest income fell 10% on weaker Great Eastern investment performance. NPL ratio was 0.8%. Management raised 2026 loan-growth guidance to low double digits and cut credit-cost guidance to 15–20 bps. Beat plus constructive guidance are modestly credit supportive.

Macquarie Group reported 1H27 net profit attributable to ordinary shareholders of A$2.478 billion, up 50% year on year, with EPS A$6.52 (+49%) and interim dividend A$3.25 (50% payout). Bank Group Level 2 CET1 was 12.9%, LCR 187% and NSFR 116%. Strength was led by Commodities and Global Markets (+83% net profit contribution) and an AirFinance sale gain in Asset Management, while Macquarie Capital fell 61%. Strong earnings and capital buffers are modestly credit supportive despite still-cautious outlook language.

Toyota reported FY2027 first-half sales revenue of ¥26.96 trillion (+9.5%) and operating income of ¥2.19 trillion (+9.2%), with attributable net income ¥2.24 trillion (+26%). Full-year operating-income guidance was raised to ¥3.9 trillion. The board also expanded the share-repurchase programme (cumulative ceiling ¥1.3 trillion) and resolved further treasury-stock retirement. Earnings/guidance strength is modestly credit supportive, partly offset by larger planned capital returns from a still-large cash pile.

DBS reported third-quarter net profit of S$2.81 billion, down 5% year on year and below ~S$2.90–2.95 billion consensus, as markets trading income fell 65% to S$152 million. Franchise momentum remained solid (loans +11% CC YoY; Wealth AUM S$544 billion) and nine-month net profit hit a record S$8.82 billion. NPL improved to 0.9% and transitional CET1 was 15.9% (14.0% fully phased-in). Consensus miss and trading weakness are offset by resilient asset quality and capital, leaving a near-term neutral credit view.

NAB reported FY26 cash earnings of A$6.143 billion, down 13.4% year on year, while cash earnings excluding large notable items were flat at A$7.090 billion. Credit impairment charges nearly doubled to A$1.547 billion, including A$403 million of forward-looking provision top-ups amid a softer outlook. CET1 was 11.87% (pro forma ~12.07%) with final dividend 85c. Higher credit costs and earnings decline are modestly credit negative despite still-adequate capital and underlying volume momentum.